BC Flexi Access & BC Flexi Access Plus

BC Flexi Access & BC Flexi Access Plus plans provide customizable and value-packed healthcare benefits for businesses or groups of at least 3 to a maximum of 50 members.
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No-cash-outlay availment of covered healthcare benefits in all Pacific Cross accredited providers
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Inclusive of In-Patient, Out-Patient, Emergency Assistance, Annual Physical Exam benefits, and more
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Pre-existing conditions may be covered subject to Pacific Cross’s underwriting guidelines and Schedule of Benefits   
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Benefit Highlights

• For small and medium-sized businesses with a maximum of 50 employees

• No-cash-outlay availment of covered healthcare benefits in Pacific Cross accredited providers

• In-Patient/Hospitalization Benefits

• Out-Patient Benefits

• Emergency Benefits

• Annual Physical Exam and Preventive Healthcare Benefits

• Emergency Assistance Services

• Optional Dental Benefits

• Optional Life Insurance with Accidental Death and Dismemberment Benefits

• Provides levels of coverage for pre-existing conditions (including congenital conditions), even for new business

• Individual health declarations are waived

Coverage for up to 50 members

BC Flexi Access Plus is designed for groups of 3-50 and 10-50 employees. Issue ages are 18 up to 65 years old for Employee, Dependent Spouse and/or Parents and 15 days up to 23 years old for Qualified Minor Dependent(Child or Sibling).

Healthcare Plan Benefits

• Coverage for Pre-Existing Conditions

• In-Patient/Hospitalization Benefits

• Out-Patient Benefits

• Annual Physical Examination (APE) or Pre-Employment Medical Examination (PME)

• Preventive Healthcare Benefit

• Emergency Care Benefit

• Diagnostic and Therapeutic Procedures

• Conditions with Specific Limitations

• Emergency Assistance Benefits

• Optional Beneifits (Dental and Life Insurance with Accidental Death and Dismemberment)

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No-cash-outlay Availment

No cash-outlay availment of covered healthcare benefits in all Pacific Cross accredited providers.

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Preview of Benefit Limits

BC Flexi Access Plus - Small
BC Flexi Access Plus - Medium
Maximum Benefit Limit (MBL)
per disability per year
Refer to MBL options
under Core Benefits Membership Fees
Refer to MBL options
under Core Benefits Membership Fees
Network Access
*The lists of our Accredited Medical Providers are downloadable from the Customer Center of our website.
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Available
Available
Pre-Existing Conditions on the First Year for Principal Member
Inner Limit of up to 10% of the MBL
Up to MBL
Pre- Existing Conditions on the First Year for Dependents
Inner Limit of up to 10% of the MBL
Inner Limit of up to 50% of the MBL
Room and Board including General Nursing Care
Up to MBL
Up to MBL
Miscellaneous In-Patient Charges
Up to MBL
Up to MBL
Attending Physician's Visit
Up to MBL
Up to MBL
Show Preview of Premiums

Downloads

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Frequently Asked Questions
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How can I get a Pacific Cross Medical Insurance Plan?
Fill out the Contact Form on our website (Click Contact us above), or e-mail us at info@pacificcross.com.ph. Our Account Executives will be more than happy to answer your questions or give you a free presentation online or in person, whichever you prefer.
How do I pay for my Pacific Cross Medical Plan’s Premium/Membership Fee?
Pacific Cross offers you several convenient ways to pay your premium: You can pay in cash or credit, via our website (Click Buy/Pay Medical), online banking or over-the-counter payments, either annually or semi-annually.
How can I get a Pacific Cross Travel Insurance Plan?
You can get a quote, and eventually buy our Travelsafe Insurance online through our website (Click Buy Travel Plans). Premiums will vary depending on certain factors such as your itinerary and the specific plan selected among others.
Do your Medical and Travel Plans provide coverage for COVID-19?
Pacific Cross Medical Plans provide reimbursement for COVID-19 vaccine acquisition and administration availed of overseas or within the Philippines, while Pacific Cross Travel Plans provide coverage for COVID-19 In-Patient Care. 

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
Do I need to undergo a physical examination before I can get a Pacific Cross Insurance Plan?
No. Applicants normally do not need to undergo a physical exam. All you have to do is answer the application form and medical questionnaire as truthfully as possible. Failure to answer the questions in the declaration in full, concealment, or misrepresentation of any significant condition will affect your Policy/Agreement and the payment of your claims.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
What is a Pre-Existing Condition?
A Pre-Existing Condition is any disability which existed before the commencement of cover as it presented signs or symptomswhich you were aware or should reasonably have been aware of. Pre-Existing Conditions are also those that are knownto you because you have felt its signs and symptoms regardless if this prompted you to seek for treatment, medication,advice, or diagnosis. When you answer our Medical Questionnaire, please ensure that you tell us about all your medicalconditions and symptoms happening at any time in the past and/or present, known and/or suspected, whether or nottreatment or professional advice was sought. Based on your provided details and submitted medical reports, declaredpre-existing conditions may be covered immediately subject to the Company’s underwriting guidelines.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
What are Exclusions?
Exclusions are certain conditions that are permanently excluded from being covered. For full details, please refer to your Policy/Agreement.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.
Can I avail of 24/7 Telemedicine Consults?
Yes. Pacific Cross, together withour Telehealth Provider, allow you to have access to licensed doctors through your mobile phone, no appointment needed. This partnership provides you with immediate and easier healthcare access, especially amidst today's difficult times when obtaining quality medical care can be a challenge. As needed, our telehealth partner may provide important medical documents (e.g., e-prescriptions, e-laboratory requests, e-medical certificates).You can also get in touch with our telehealth partner for mental health first-aid support.

Important Note:  This answer is intended for overview purposes only. Details may vary across plans. Coverage is always subject to plan provisions and limitations.

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